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License

Perflo Neobank is released under the Apache License 2.0 (SPDX identifier Apache-2.0). The full license text lives at the repository root in LICENSE.

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What the license permits

Apache-2.0 is a permissive license. You may use, copy, modify, merge, publish, distribute, and sublicense the software — commercially or otherwise — and you may sell copies. The license also grants a patent license from each contributor for the patent claims their contribution necessarily infringes, so downstream users receive both a copyright license and a patent license for the code they use.

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What the license requires

If you redistribute the software, in source or binary form, you must:
  • Preserve the copyright, patent, trademark, and attribution notices in the source you distribute.
  • Include a copy of the Apache License 2.0 with the distribution.
  • State, prominently, any changes you have made to the files you distribute.

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Why Apache-2.0 and not MIT

The explicit patent grant and patent-retaliation clause are why this platform uses Apache-2.0 rather than a permissive-as-MIT license. Self-hosting banks and partners extend this platform, integrate it into their own products, and ship derived services. Apache-2.0 gives every contributor and downstream user a clear, written patent license for the code they receive and a defined recourse if a contributor initiates patent litigation over the Work. That matters here precisely because the platform is meant to be extended, not just run.

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Contributing under the license

Inbound contributions are licensed under the same Apache-2.0 terms as the project — Section 5 of the license makes that automatic unless you state otherwise. See Contribute for the development setup and CI & review lanes for the gate every change passes before merge.